| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | $96K | $0 | $96K | 4.95% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | KAISER FOUNDATION HEALTH PLAN, INC. | $87K | $0 | $87K | 4.61% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA HEALTH, INC. | $0 | $82K | $82K | 5.22% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $6K | $70K | 11.59% |
| USI INSURANCE SERVICES LLC3 | 1 CONCOURSE PARKWAY, SUITE 700 ATLANTA, GA 30328 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $83 | $83 | 0.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7 | $7 | 0.00% |
| USI INSURANCE SERVICES LLC3 | CONCOURSE PARKWAY NE ATLANTA, GA 30328 | AETNA LIFE INSURANCE COMPANY | $0 | $36K | $36K | 6.80% |
| ANDREW D KOWN3 Filed as: ANDREW D. KOWN | 710 CREEKGARDEN COURT ATLANTA, GA 30339 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.88% |
| USI INSURANCE SERVICES LLC3 | 301 SOUTH COLLEGE STREET 19TH FLOOR CHARLOTTE, NC 28202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.96% |
| FRAN C HARGARTEN III3 Filed as: FRAN C. HARGARTEN, III | 1140 MOSSY ROCK ROAD NW KENNESAW, GA 30152 | CONTINENTAL AMERICAN INSURANCE COMPANY | $544 | $0 | $544 | 1.29% |
| KAREN H SMITH3 Filed as: KAREN H. SMITH | 145 CHURCH STREET NE, SUITE 200 MARIETTA, GA 30060 | CONTINENTAL AMERICAN INSURANCE COMPANY | $214 | $0 | $214 | 0.51% |
| USI INSURANCE SERVICES LLC3 | 3475 PIEDMONT ROAD, SUITE 800 ATLANTA, GA 30305 | CONTINENTAL AMERICAN INSURANCE COMPANY | $212 | $0 | $212 | 0.50% |
| LINDA M NAPOLI3 Filed as: LINDA M. NAPOLI AND OTHER AGENTS | 5335 YARMOUTH AVENUE, UNIT 106 ENCINO, CA 91316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $105 | $0 | $105 | 0.25% |
| JOHN P KOWN II3 Filed as: JOHN P. KOWN, II | 1275 SHILOH ROAD NW, SUITE 2260 KENNESAW, GA 30144 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | $0 | $72 | 0.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | $2K | $0 | $2K | 11.11% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62819 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $644 | $94 | $738 | 7.92% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 222 | $5.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $616K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY INSURANCE CO. | 529 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $607K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $607K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $607K |
| Prescription drug(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN OF GEORGIA, INC. | 222 | $5.9M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 948 | $666K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 948 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.